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Rates

Rates effective as of: 11/16/2011

Product	Min to Open Account	Min Balance to Obtain APY	Rate	APY*
Rewards Checking	$10	$10 to $25,000	2.51%	2.51%
		over $25,000	0.50%	0.50%
		Non-Qualifying All balances $10 and above	0.05%	0.05%
Rewards Savings	$0	$10 to $50,000	1.14%	1.15%
		over $50,000	0.50%	0.50%
		Non-Qualifying All balances $10 and above	0.05%	0.05%

*APY = Annual Percentage Yield.

Savings

Product	Min Deposit to Open Account	Min Balance to Obtain APY	Rate	APY*
Statement Savings	$10	$10	0.10%	0.10%
Passbook Savings	$10	$10	0.10%	0.10%

*APY = Annual Percentage Yield.

Money Market Savings

Product	Min Deposit to Open Account	Min Balance to Obtain APY	Rate	APY*
Money Market Savings	$1,000	$20	0.10%	0.10%
		$1,000	0.10%	0.10%
		$25,000	0.15%	0.15%
		$50,000	0.25%	0.25%
IRA/SEP Money Market Savings	$20	$20	0.25%	0.25%
		$1,000	0.25%	0.25%
		$25,000	0.25%	0.25%
		$50,000	0.25%	0.25%

*APY = Annual Percentage Yield.

Certificates of Deposit

Term	Min Deposit to Open Account	Min Balance to Obtain APY	Rate	APY*
3 Months	$1,000	$20	0.18%	0.18%
6 Months	$1,000	$20	0.28%	0.28%
1 Year	$500	$20	0.48%	0.48%
18 Months	$500	$20	0.60%	0.60%
2 Years	$500	$20	0.90%	0.90%
3 Years	$500	$20	1.14%	1.15%
4 Years	$500	$20	1.39%	1.40%
5 Years	$500	$20	1.64%	1.65%

Earn an additional 0.10% - 0.15% when you open a checking account!** Open a CLUB Checking account and add an extra 0.15% to the APY*. Open a Free Checking account and add an extra 0.10% to the APY*.

Certificates Of Deposit earn a fixed rate of interest. On Certificates of Deposit, a penalty may be imposed for early withdrawal. Amounts above $500,000 are subject to the approval of bank management.

*APY = Annual Percentage Yield.

**To earn the additional yield you must open a Free Checking or a CLUB checking account. During the term of the CD if you happen to close the checking account, your interest rate will revert to the rate at the time the CD was opened. The additional yield will only apply during the original term of the CD. This offer can be rescinded at any time without notice.

Individual Retirement Accounts

Term	Min Deposit to Open Account	Min Balance to Obtain APY	Rate	APY*

6 Months	$500	$20	0.28%	0.28%
1 Year	$500	$20	0.48%	0.48%
18 Months	$500	$20	0.60%	0.60%
2 Years	$500	$20	0.90%	0.90%
3 Years	$500	$20	1.14%	1.15%
4 Years	$500	$20	1.39%	1.40%
5 Years	$500	$20	1.64%	1.65%

Earn an additional 0.10% - 0.15% when you open a checking account!** Open a CLUB Checking account and add an extra 0.15% to the APY*. Open a Free Checking account and add an extra 0.10% to the APY*.

IRAs may be subject to a 10% IRS penalty if funds are withdrawn before age 59 1/2.

*APY = Annual Percentage Yield.

**To earn the additional yield you must open a Free Checking or a CLUB checking account. During the term of the IRA if you happen to close the checking account your interest rate will revert to the rate at the time the IRA was opened. The additional yield will only apply during the original term of the IRA This offer can be rescinded at any time without notice.

Checking

Product	Min Deposit to Open Account	Min Balance to Obtain APY	Rate	APY*
CLUB Checking	$10	$10	0.05%	0.05%

*APY = Annual Percentage Yield.